Alabama Hard Money Lenders
Need a hard money loan secured by real estate in Alabama? This page has a list of direct hard money lenders that offer quick funding for an Alabama property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.Searching...
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Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.

Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
Alabama Hard Money Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for Alabama hard money loans in the 1st quarter of 2025 was 10.74%. The average loan amount was $235,124. These stats are the average of 57 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in Alabama between January 1, 2025 and March 31, 2025 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for Alabama hard money loans in the 1st quarter of 2025 was 10.49%. Lenders charged an average of 3.1% points (origination fee). The average LTV (loan-to-value) for hard money loans in Alabama was 62%, and the average loan amount was $176,290. These stats are the average of all the loans which were funded between January 1, 2025 and March 31, 2025 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Alabama Hard Money Lenders

According to Forecasaâ„¢, here are the Top 10 Hard Money Lenders ranked by the number of loans* originated in Alabama from October 2024 to December 2024.
- Kiavi funded 77 loans
- Constructive Loans LLC funded 70 loans
- JL Lane Lending LLC funded 52 loans
- Longhorn Investments funded 29 loans
- Mobile Capital Company LLC funded 29 loans
- RCN Capital LLC funded 28 loans
- Virgo Funding LLC funded 26 loans
- LendingOne funded 25 loans
- ROC Capital funded 25 loans
- Robertson Banking Company funded 20 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
Alabama Hard Money Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of loans secured by investment real estate in Alabama which were funded by hard money lenders from January 2024 to December 2024.
- Approximately $79,677,287 of hard money loans were funded in the 4th quarter of 2024 for 341Â borrowers.
- Approximately $92,379,788 of hard money loans were funded in the 3rd quarter of 2024 for 369Â borrowers.
- Approximately $92,459,803 of hard money loans were funded in the 2nd quarter of 2024 for 356Â borrowers.
- Approximately $167,695,590 of hard money loans were funded in the 1st quarter of 2024 for 289Â borrowers.
Below are the approximate hard money loan volume amounts for Alabama’s metropolitan areas:
Birmingham, AL
- 2024 Q4: $35,514,949 for 150 borrowers
- 2024 Q3: $36,364,379 for 150 borrowers
- 2024 Q2: $39,307,905 for 143 borrowers
- 2024 Q1: $27,104,656 for 117 borrowers
Huntsville, AL
- 2024 Q4: $10,154,627 for 36 borrowers
- 2024 Q3: $18,371,929 for 47 borrowers
- 2024 Q2: $11,635,001 for 30 borrowers
- 2024 Q1: $79,315,407 for 20 borrowers
Mobile, AL
- 2024 Q4: $8,927,064 for 57 borrowers
- 2024 Q3: $10,816,697 for 66 borrowers
- 2024 Q2: $10,544,601 for 79 borrowers
- 2024 Q1: $14,475,833 for 59 borrowers
Montgomery, AL
- 2024 Q4: $13,427,383 for 54 borrowers
- 2024 Q3: $13,560,912 for 56 borrowers
- 2024 Q2: $17,100,895 for 67 borrowers
- 2024 Q1: $10,748,566 for 48 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..

Spectra Lending, a commercial hard money lender, funded a $2,876,528 bridge loan secured by a 25-acre parcel of land in the Maple Grove neighborhood of Cullman, AL. This land was under contract to be developed into 81 lots, which would be sold on a rolling basis as the project progressed, with all lots under contract to be sold to SDH Alabama LLC. The Sponsors had completed $300,000 of work to date. Prior to financing, the land was purchased for $850,000, and an additional $300,000 was invested. Based on the purchase agreement’s total price of $5,025,000, the loan-to-value for the project stood at 57%, supported by a January 2025 appraisal valuing the land at just under $5,100,000. The total hard cost of the project was $3,600,000, resulting in a loan-to-cost ratio of 80%. The Sponsors agreed to pay down the loan in full with proceeds from the first 20 lots totaling $1,200,000, with 80% of proceeds from subsequent lot sales to go toward reducing the remaining loan balance. The Sponsors brought over 50 years of combined real estate experience, including the acquisition, stabilization, and management of more than 1,000 homes. One Sponsor founded Vulcan Realty, which brokered over 100 deals annually from 2010 to 2023, while the other founded Phase Four Inc., a firm known for custom construction and renovation in both commercial and residential sectors. The interest rate was 2.5%. The loan term was set at 9 months. This hard money bridge loan was funded in March 2025.